Get the Best Insurance in Houston With McDade Insurance

Q: Why use McDade instead of going direct to Geico, Progressive, or State Farm?

Direct carriers sell you what they have. If your situation does not match their underwriting, you are on your own. McDade has access to hundreds of carriers and specializes in 50 we know deeply. When your life changes, your coverage moves with you, not against you. Established Homeowner. Prior claim. Vacation property. Multi-home. Multi-vehicle. Business owner. Those are the situations where a direct carrier's algorithm hits a wall and a broker earns a seat at your table.

Q: Can you just give me an apples to apples quote against my current policy?

Yes. Send us your current dec page and we will compare it line by line against 50+ top Texas carriers. We tell you what is actually different, where the gaps are, and which carriers price your specific risk profile better. About 40% of the time we tell clients to keep what they have. The other 60% is where we earn our seat at your table.

Q: What is a coverage review and why should I do one?

A McDade Coverage Review is a four-part audit of your existing policy. We use the same framework on every review. Clarity (does your contract language hold up at claim time). Probability (is coverage priced for Texas weather and traffic). Severity (are limits sized to your actual exposure). Value (does premium match what the policy pays out). Most homeowners and drivers have no idea what their policy actually covers until a claim proves them wrong. The review fixes that before the storm hits.

Q: What does it actually cost to work with McDade?

Nothing. You pay your insurance premium to your carrier, same as you would if you bought direct. Carriers pay us a commission out of that premium. Our service costs you zero additional dollars. The difference is you get a human advocate who reviews your coverage, knows the market, and fights for you if a claim goes sideways.

Q: Do you cover areas outside Houston and Spring?

Yes. McDade writes coverage across Harris County, Montgomery County, and the Greater Houston area. Houston is our home market. Spring, Cypress, Bridgeland, The Woodlands, Conroe, Tomball, and Klein are core service areas. We can write home, auto, business, life, and flood coverage anywhere in Texas, with deepest expertise in the Greater Houston metro.

Q: What happens if I have a claim?

You call our team first. We have been through hundreds of claims with Texas homeowners and drivers and we know where carriers cut corners. We help you file correctly, follow up on your behalf, and push back if an adjuster underpays. With a direct carrier, claim day is when you find out you are on your own. With McDade, claim day is when you find out why you hired us.

i. Clarity

Plain English. Line By Line.

Replacement cost or actual cash value. Wind and hail deductible. Roof age. Water backup. Ordinance and law. We translate your contract into language you'd actually use over coffee.

Per the Texas Department of Insurance, contract language is the single biggest cause of underpaid claims.

ii. Probability

Built For Texas, Not A National Average.

The 2024 Atlantic hurricane season produced 18 named storms and 11 hurricanes. We price coverage against what actually happens here, not a national average.

Source. NOAA National Hurricane Center, 2024 season summary.

iii. Severity

Sized Against The Worst Real Outcome.

Texas leads the nation in severe hail and wind losses. A blown roof in Cypress runs differently than a fleet wreck on I-45. We size limits against your actual exposure, not a templated quote.

Source. Insurance Information Institute, severe weather losses by state.

iv. Value

Premium Versus What It Actually Pays.

The cheapest policy almost always costs more at claim time. We measure premium against what your contract actually pays out. The spread between two policies often pays for itself in one storm.

Internal data. McDade has handled hundreds of Texas claims since 2020.

About our Agency

Insurance has one job. Protect what you’ve worked to build.

The problem is, most people don’t know what their policy actually does until a claim proves them wrong.

That’s why McDade exists. Yes, we shop 50+ top carriers across Texas. But more importantly, we break down the trade-offs in plain English for clients across Harris County, Montgomery County, and the Greater Houston area. Established home buyers who moved to Cypress / Bridgeland. Business owners who leveled up. Parents putting teenagers on the road. Texans who’ve already earned something worth protecting.

Let’s pressure test your current coverage and see what it actually protects.

Fifty-plus top carriers shopped on your behalf. But more importantly, we filter out the noise and show you the trade-offs in plain English. What’s covered. What’s limited. What breaks at claim time.
Over 270 five-star Google reviews. Your neighbors already made the switch. Now it’s your turn.
Hometown expertise, built into every policy. Hail, flood, hurricane, wind. Accounted for before you ever have to ask.
Home, auto, life, business, and bonds under one roof. Bundle where it makes sense. Separate when it doesn’t.

★★★★★

"McDade is the best Agency in Houston. They helped my family find the best auto insurance for our budget without sacrificing coverage. If you need help on home and auto in Houston, McDade is the call."

Tony Jones Jr. Home + Auto Bundle · Cypress, TX

★★★★★

"Charles is fantastic at what he does. He brokered commercial insurance for me under a tight time frame. Quick responses. Got me everything I needed. I'll continue to do business with him."

Donecia A. Commercial Insurance · Houston, TX

★★★★★

"I don't often leave reviews. The service I've received and that homeowners I've referred have received has been so high that I needed to let the community know. Prompt. Responsive. Knowledgeable. Highly recommend Charles and his team."

Mike T. Contractor Partner · Spring, TX

Why use McDade instead of going direct to Geico, Progressive, or State Farm?

Direct carriers sell you what they have. If your situation does not match their underwriting, you are on your own. McDade has access to hundreds of carriers and specializes in 50 we know deeply. That means when your life changes, your coverage moves with you, not against you. Established home purchaser. Prior claim. Teen driver. Home-based business. Those are the exact situations where a direct carrier's algorithm hits a wall and a broker starts earning their spot in your life. .

Can you just give me an apples to apples quote against my current policy?

Fair question. Also the wrong one.

Apples to apples means matching your current coverage and beating the price. The problem is most homeowners have not read their 40-page policy, and neither has their last agent. You are asking to match something neither of us has actually looked at.

That is not apples to apples. That is blindfolds to blindfolds.

Insurance is a contract, not a product. Two policies with the same premium can pay out differently by tens of thousands after the same claim. The differences live in the contract language. Replacement cost. Water sublimits. Wind and hail deductibles. Ordinance and law. Mold.

None of that shows up on a quote summary. All of it shows up on claim day.

What we do instead is a real coverage review. Contract to contract. About 40% of the time our team tells homeowner to keep what they have. That is how you know you are talking to an advisor, not a salesman.

Upload your policy. We will show you the difference.

What is a coverage review and why should I do one?

A coverage review is a line-by-line look at what your current policy actually covers, what it leaves out, and where the gaps are. We do not do this to sell you a new policy. We do it so you know where you stand. About 40% of our reviews end with us telling the homeowner their current policy is solid and to keep it. The other 60% end with us finding a gap that would have cost them thousands in a claim. Either way, you walk away with the truth about your insurance. That is worth 2 minutes of your time.

What does it actually cost to work with McDade?

Nothing. You pay your insurance premium to your carrier, same as you would if you bought direct. Carriers pay us a commission out of that premium. Our service costs you zero additional dollars. The difference is you get a human advocate who reviews your coverage, Understands the market, and fights for you if a claim goes sideways.

Do you cover areas outside Houston and Spring?

Yes. We write policies all across Texas, with a focus on Harris County, Montgomery County, and the Greater Houston area. Houston is our home market. Spring, Cypress, Bridgeland, The Woodlands, Conroe, Tomball, and Klein are core service areas with dedicated coverage expertise for each neighborhood's specific exposure profile.

What happens if I have a claim?

You call us first. We have been through hundreds of claims with Texas homeowners and drivers, and we know where carriers cut corners. We help you file correctly, follow up on your behalf, and push back if an adjuster underpays. With a direct carrier, claim day is when you find out you are on your own. With McDade, claim day is when you find out why you hired us.

Built Around
The Life You've Earned